Achievement of all Sales Targets & Growth
Sell, promote and Market the Banks Products and ensure that the following is achieved:
Retention of existing clients
Acquisition of new clients
Reactivation of dormant client
Achieve Sales Target as set by Management

Performance of Sales Activities
Promote and sell new products as the Bank introduce same from time to time
Phone clients for sales (Tele-Sales)
Generate Sales Leads
Follow up and make appointments with prospective clients
Follow up on status of workflow and applications being processed
Keep the client informed at all times with regards to the loan application status

Application Administration and Costs
Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
Suspend or reject loan applications to be re-quoted as and when required. Explain the Loan Application Process to facilitate client understanding of the process
Explain Terms and Conditions of Banks Products to clients
Issue copy of Contract / Agreement to Client
Print loan agreement for client’s signature
Correct altered loan application information sent for rework and reprint for client’s signature

Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank
Maintain responsibility for the branches Profit & Loss and Budget
Determine the critical success factors for new customer acquisition and customer retention
Demonstrate expert ability to leverage the banks products inclusive of technology offerings to uncover and deepen opportunity, using the various marketing tools available in branch to present product offers and financial solutions to existing and potential customers
Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
Develop and execute market plan to achieve growth goals
Ownership for sales life cycle-from lead generation to disbursement
Engage in and promote all sales activities i.e. Check-Ins, Huddles
Responsible for day to day sales activities inside and outside the branch
Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
Ensure all staff achieve individual sales and service goals as assigned
Work to maximise customer relationships across business lines
Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
Develop existing business relationships and prospect within the community for new commercial business
Maintain consistency and integrity of data
Provides direction, guidance and quality assurance to Reps Under Supervision

Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
Identify, evaluate and monitor and make recommendations deemed necessary to the respective risk and compliance champion in order to assess, reduce, eliminate or control any current or prospective risks to the bank arising from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, internal policies, procedures and ethical standards
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

People Management and Development
Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

Customer Service
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times 5. Treat internal and external customers fairly at all times

1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

Regulatory reporting
Recurring and ad-hoc regulatory reporting
Manage the preparation and review of all daily, monthly, quarterly, semi-annual, annual and ad hoc regulatory reporting to all internal and external stakeholders
Compile, maintain and validate a complete schedule of all required inputs to and outputs from the regulatory reporting process
Compile, maintain and validate a rolling timetable of all recurring regulatory reporting milestone dates and deadlines, cross referenced to the schedule of inputs to and outputs from the regulatory reporting process
Ensure adequate keeping of records, working papers and documentation to ensure that an audit trail supporting the regulatory reports is available
Deliver regulatory reports devoid of any qualifying matters or significant matters of emphasis upon completion of the audit of the regulatory reports
Analysis and interpretation of regulatory reports
Analyze and interpret the regulatory reports against forecasts, comparative historical regulatory reports and other internal management reporting to identify trends, variances and anomalies and to explain observations
Manage the preparation of regulatory reporting dashboards and other management reports on the regulatory reports.
Provide regulatory reporting input and sign off to dependent functions and activities, such as ICAAP, Recovery Planning and Balance Sheet Management
Inter-functional engagement
Manage relationships with functions providing input to the regulatory reporting process, as well as functions dependent on output from the regulatory reporting process to meet the applicable objectives and deadlines
Ensure and maintain an in-depth understanding within the regulatory reporting team of the function and the information provided by functional departments providing input into the regulatory reporting process
Ensure a comprehensive understanding of the application of information and data supplied within the regulatory reporting framework by the managers of the respective functional departments providing input into the regulatory reporting process

Management of controls, processes and supporting systems
Maintenance and enhancement of control environment
Review of all regulatory reporting processes to identify risks and to implement, manage and monitor compensative controls
Review of upstream and downstream risks as applicable to inputs to and outputs from the regulatory reporting processes
Report risk events and control failures.
Ensure establishment of ownership for maintenance of direct and indirect control environment
Ensure establishment of ownership for remediation of risk events and control failures
Remediation of control and audit issues raised by internal or external audits
Integration, automation and maintenance of regulatory reporting platforms
Minimize the dependency on manual data inputs within the regulatory reporting processes
Drive the integration of the regulatory reporting processes with the reporting processes and systems in place within the treasury, credit, operational risk and finance departments
Maintain alignment of data definitions with the application of data within the regulatory reports
Continuously improve the effectiveness and efficiency of the processes supporting the regulatory reporting function through automation and alignment to source systems and functions
Managing system changes within the regulatory reporting environment
Management of Dix vendors and service providers
Coordinating management of change to regulatory reporting between the Dix vendors and service providers, the SARB IT department and the African Bank IT department.

External stakeholder management
South African Reserve Bank – Bank supervision department
Establish and strengthen confidence and trust in the African Bank regulatory reporting function
Establish and nurture an open and engaging relationship with the SARB bank supervision department
Monitor and track circulars, notices and practice notes issued by the SARB, as well as all other correspondence between the SARB and the industry in general and African Bank specifically
External auditors
Monitor and track all correspondence regarding regulatory reporting between the external auditors and African Bank
Manage the preparation of all documents and information required in terms of audits of the regulatory reporting to ensure complete, timeous and accurate delivery thereof
Manage the preparation of all documents and information required in terms of audits of the IFRS risk disclosure to ensure complete, timeous and accurate delivery thereof
JSE
Provision of all regulatory reports required in terms of the Basel accord, the King code of corporate governance or any other such regulation (e.g. quarterly pillar three regulatory reporting)
Investor relations management
Responding to and providing input to queries pertaining to Pillar III and Risk reporting contained in publications by the bank

Internal stakeholder management
Asset & Liability Committee
Analysis and presentation of regulatory reports against the context of internal treasury reporting to the ALCO to identify and contextualize the variances between internal and external reporting.
Reporting of breaches of internal mandates and scales and external regulations to the ALCO
Tailoring of regulatory reporting inputs and processes to cater for assumptions made, strategies adopted and decisions made by the ALCO
Report back on engagement and correspondence with and from external regulatory reporting stakeholders (e.g. SARB, External Auditors, JSE)
Treasury function
Review of applicable regulatory reports with the respective functional treasury heads responsible for treasury operations and liquidity management
Identification of variances and anomalies and resolution of resulting queries
Management of processes which engage the treasury function
Secure executive sign off of applicable regulatory reports by the Group Treasurer and Chief Financial Officer
Credit function
Review of applicable regulatory reports with the respective functional credit heads responsible for credit risk assessment, impairment management, collection strategies
Identification of variances and anomalies and resolution of resulting queries
Management of processes which engage the credit function
Executive sign off of applicable regulatory reports
Group Risk function
Review of applicable regulatory reports with the respective functional heads responsible for operational risk assessment, regulatory compliance
Identification of variances and anomalies and resolution of resulting queries
Executive sign off of applicable regulatory reports by the Group Chief Risk Officer
Functional engagement on monitoring and management of engagement and correspondence with the SARB
Internal audit and governance departments
Review of risks and compensative controls to ensure compliance with regulatory requirements and control objectives
Planning of reviews and audits
Finance department
Review of applicable regulatory reports with the respective functional heads responsible for solvency assessment and regulatory compliance
Identification of variances and anomalies and resolution of resulting queries
Executive sign off of applicable regulatory reports by the Group Chief Finance Officer and the Group Chief Executive Officer

Staff management
Management of staff:
Perform all day to day management of staff functions (e.g. management of leave, performance measurement, performance management, etc…)
Staff development:
Maintain a knowledge base that is abreast with the latest developments in regulatory developments within South Africa, as well as Basel developments. Facilitate training of regulatory reporting staff, as well as other related functional staff, to ensure a broad understanding of the basis and objectives of the regulatory reports

Customer
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations.
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings.
Build a positive image by exceeding client expectations at all times.
Treat internal and external customers fairly at all times.

MINIMUM EDUCATION
Bachelor’s degree with quantitative subjects.

PREFERRED MINIMUM EDUCATION
Honours Degree in Data Science / Computer Science / Engineering / Statistics / Mathematics or similar.

MINIMUM EXPERIENCE
2-3 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

PREFERRED MINIMUM EXPERIENCE
3-5 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

CRITICAL COMPETENCIES
Proficient with the usage of the Python.
Intermediate to advanced level knowledge of SQL.
Basic to intermediate level knowledge of the Linux OS.
Advanced analytics competency level demonstrated. 
Ability to produce effective data visualisations.
Mathematical modelling.
Technical report writing.
Presentation and communication skills.

ADDITIONAL COMPETENCIES
Able to effectively use Microsoft Office. 
Basic to intermediate level proficiency with the usage of AWS cloud technologies.
Able to work with unstructured data.

BEHAVIOURAL ATTRIBUTES

 Attention to detail
Deadline driven
Organised
Team player
Curious
Creative 
Innovative
Ability and willingness to learn and try new approaches
Enjoys solving difficult problems

KEY RESULTS AREA

Stakeholder Engagement and Expectation Management
Engages positively within data science team and with external stakeholders
Understands and delivers on agreed deliverables and business owner’s objectives
Keeps stakeholders informed of progress
Seeks assistance to overcome obstacles as they may arise
Ensure solutions developed can be practically implemented

Data wrangling and data preparation
Retrieve data from identified data sources (including unstructured data sources)
Validate, clean and filter data against identified criteria
Package data into correct format for further analysis or delivery
Create data sets as required for ad hoc analysis
Enhance data documentation where possible
Document data wrangling steps clearly

Analysis, reporting, data visualisation and communicating results
Ensures high quality presentations appropriate for diverse audiences to make informed decisions
Analyse data and verify results in terms of requested information by applying suitable standard and advanced univariate and multivariate statistical techniques 
Document process followed to determine findings from data retrieval to final outcomes
Prepare a written report of findings for distribution to direct manager for final approval
Prepare presentation for feedback to Exco or identified stakeholders
Communicate findings to relevant stakeholders in order to adopt recommendations

Statistical Model building and Machine Learning model building
Develop and maintain an understanding of relevant business processes
Review current processes for business opportunities by means of appropriate statistical models
Build statistical models to drive business strategies 
Understand and interpret specifications of the model from the business by liaising with different stakeholders
Prepare a project plan with requirements for completion of model
Prepare and analyse data 
Develop a descriptive or predictive mathematical or statistical model making use of available statistical tools
Validate the model in terms of requirements
Communicate the model’s performance (verbal and written) to relevant stakeholders
Prepare a presentation of results for presentation to Exco or identified stakeholders for final approval
Document specifications and process of model roll out working with Strategy Manager and bureau for deployment
Test and validate functionality of the implementation of the model in terms of requirements
Review current modelling methodologies in respect to international best practices

Model monitoring and refinement
Monitor models to determine predictive power is maintained on an ongoing basis
Analyse data in respect of models where outcomes are not in line with expectations to identify causes for variances
Identify and recommend suitable solutions in writing with evidence of the identified problem
Implement approved solution in terms of recommendation

Change Management
Write appropriate specifications needed to implement change process or recommendation after obtaining necessary approval from relevant committee
Oversee the changes to be done in consultation with Business Analysts
Test and validate functionality of the implementation process
Maintain complete documentation of any follow up changes
Enable audit and validations to be performed

Data ethics, governance and privacy
Understands legislation and comply with it, e.g. data privacy rules complied with
Ethics to be considered at all stages of work
Avoid unfair discrimination

Mentoring and training
Assist team members with new tasks in respect of unfamiliar aspects of the job
Train team members in respect of technical aspects and business aspects of the job as well as for succession planning

Research
Enhance existing models 
Alternative models, approaches and methodologies
Find new data sources
Find new ways of utilising and absorbing diverse data sources for business problems and to maximise value from data

Treating Customers Fairly  and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times